JP2001076036A - System and method for issuing value cipher information, system and method for telephone charge payment, and system and method for settlement - Google Patents

Abstract

PROBLEM TO BE SOLVED: To obtain an issue system for value cipher information, which is completely free of the possibility of theft in a distribution process. SOLUTION: This system is a value cipher information issue system 10, equipped with a cipher information storage means 12, which stores cipher information consisting of a character string having a prescribed number of characters, a request amount input means 14 for selectively inputting a desired amount, a received amount input means 16 for inputting an actually paid amount, a value cipher information generating means 22 which generates value cipher information by relating cipher information with the information, when the request amount matches the received amount, a value cipher information storage means 24 which stores the value cipher information, and a value cipher information output means 26 which outputs the value cipher information.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0101]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a technique for issuing valuable cryptographic information in which a predetermined monetary value is added to cryptographic information composed of a predetermined character string. Further, the present invention relates to a payment system and a payment method for call charges and charges using such valuable cryptographic information.

[0092]

2. Description of the Related Art At present, when making an international call from a mobile communication terminal such as a mobile phone or a PHS to an overseas country, it is a principle that a usage contract is concluded in advance with an international communication carrier. That is, after filling in the "mobile phone / PHS international use contract application form" with its name, address, contact information, payment method, etc., it is submitted to the international communication carrier. At this time, those who have a credit card can select "payment by credit" as a payment method, but those who do not go to an international telecommunications carrier or receive a letter, etc.
Since it is necessary to select "invoice payment" which requires the payment of a security deposit, it takes time until it is approved. In the case of mobile communication terminals, since the communication terminal is literally mobile and it is difficult to identify the location of the user, strict procedures must be imposed in order to prevent the call charge from being dropped. .

On the other hand, there is a method of using a prepaid card exclusively for international calls. In this case, the user receives the "country code and area code (area code / area code)" of the called party.
+ The other party's phone number (local number + subscriber number), enter the card number (valid encryption information) entered on the prepaid card from a mobile phone, etc. You can make a call. This prepaid card is issued by each international telecommunications carrier that provides an international call service, and is sold at convenience stores and the like.

[0093]

The prepaid card has a mechanism in which a call can be made only within a range of a prepaid amount, so that there is no danger of a call charge being lost. For this reason, there is no need to impose complicated procedures such as concluding a contract or paying a deposit in advance.
It can be said that it meets the needs of temporary foreigners and young people who want to make international calls more easily.

However, not only is the cost of preparing the prepaid card itself necessary for each international telecommunications carrier, but also the transportation and storage of a card having a value as a voucher involves great risks and costs. There was a problem. In the case of this prepaid card for international calls, the card itself is not passed through a card reader to determine and display the amount of money like a telephone card used for a public telephone, but the card number displayed on the card is used for the own mobile phone. , The user can make a call for the amount of money previously assigned to the card number. In other words, in the case of a prepaid card for international calls, the card itself is only a carrier of valuable cryptographic information,
The valuable cryptographic information displayed there has important significance. Therefore, the card may be a simple piece of paper, but special processing is required to hide the valuable cryptographic information display part in order to prevent misuse in the distribution process, and to prevent damage during the distribution process. It is necessary to provide a certain degree of strength in order to increase the cost, which causes a cost increase.

Further, although online shopping via the Internet has been actively performed recently, a secure and simple payment method has not been established. Usually, after the goods arrive, they are transferred to the account of the mail order company or paid to the carrier in exchange for goods at the time of delivery (so-called "cash on delivery"). The owner of the credit card can also make a credit card settlement by transmitting his / her credit card number and expiration date.

However, in the case of the transfer method, there is always a risk of bad debts on the mail order company side. In addition, it is necessary to go to a financial institution and make a transfer to a product purchaser, and to pay a transfer fee. In the case of the cash-on-delivery system, no credit loss occurs on the mail-order company side, but there is a problem that a relatively large cash-on-delivery fee must be paid by the buyer side. In the case of a credit card, your credit card information will be circulated on the net,
There are many people who feel resistance in terms of security, and there is a danger of actually being abused.

The present invention has been devised to solve the above-mentioned conventional problems, and has as its object to establish a technology for issuing valuable cryptographic information that has no risk of being stolen in a distribution process. It is another object of the present invention to establish a payment technology for various kinds of payments without any risk of bad debts by applying such valuable cryptographic information issuing technology.

[0099]

In order to achieve the above object, a first valuable cryptographic information issuing system according to the present invention comprises a cryptographic information storage device for storing cryptographic information comprising a character string having a predetermined number of digits. Storage means, request amount input means for selecting and inputting a desired amount, deposit amount input means for inputting the actually paid amount, and when the request amount and the deposit amount match,
Valuable cryptographic information generating means for generating valuable cryptographic information by associating the cryptographic information with the request amount, valuable cryptographic information storage means for storing the valuable cryptographic information, and valuable cryptographic information for outputting the valuable cryptographic information Output means.
The first method for issuing valuable cryptographic information according to the present invention includes:
Accumulating cryptographic information consisting of a character string having a predetermined number of digits in the cryptographic information storage means, inputting a required amount, inputting an actually paid deposit amount, When the values match, a step of generating valuable cryptographic information by associating the cryptographic information with the request amount, a step of storing the valuable cryptographic information in the valuable cryptographic information storage means, and a step of outputting the valuable cryptographic information And

[0010] A second valuable cryptographic information issuing system according to the present invention is a cryptographic information storage means for storing cryptographic information consisting of a character string having a predetermined number of digits, and a required amount input means for selecting and inputting a desired amount. Card information input means for inputting information relating to a credit card; transmitting the credit card information and the requested amount to an external computer system to request payment by a credit card; and determining whether payment by the credit card has been completed. Card payment processing means for confirming whether or not, when payment by a credit card is completed, valuable cryptographic information generating means for generating valuable cryptographic information by associating the cryptographic information with the request amount;
A valuable cryptographic information storage means for storing the valuable cryptographic information and a valuable cryptographic information output means for outputting the valuable cryptographic information are provided. Further, a second method of issuing valuable cryptographic information according to the present invention includes a step of storing cryptographic information consisting of a character string having a predetermined number of digits in a cryptographic information storage means, a step of inputting a required amount, and Inputting the credit card information and the requested amount to an external computer system to request payment by a credit card; confirming whether the payment by the credit card is completed; A step of generating the valuable cryptographic information by associating the cryptographic information with the request amount when the payment by the card is completed; a step of storing the valuable cryptographic information in the valuable cryptographic information storage means; Output step.

As described above, instead of displaying the cryptographic information associated with the amount information in advance on the card and distributing it,
When the payment of cash or the completion of payment by credit card is confirmed, the cryptographic information and the amount information are linked to form valuable cryptographic information, which is output directly to the user. It is possible to completely eliminate the danger associated with distributing the prepaid card. In addition, since the valuable cryptographic information is issued directly to the user, there is no need to output it to a very durable card, and there is no need to perform special processing to keep the number secret, and it is issued at a very simple and low cost. It becomes possible.

The valuable cryptographic information once issued as described above can be used just like a conventional international telephone prepaid card. That is, the first call charge settlement system according to the present invention is provided with the first valuable cryptographic information issuing system or the second valuable cryptographic information issuing system as a premise (provided that the cryptographic information storage means includes: (Characteristic information including a character string including at least an access number for connecting to an exchange of a specific communication carrier is stored in advance.) Means and, when valuable cryptographic information and a telephone number of a receiving side are input from a terminal on the calling side, a balance for searching the valuable cryptographic information storage means using the valuable cryptographic information as a key and confirming a balance of the valuable cryptographic information. Confirmation means, line connection means for connecting the calling side terminal and the receiving side terminal when the balance is equal to or more than a predetermined value, and the telephone number of the called side and the balance as the fee. Talk time calculation means for calculating a talk time by applying to the system, talk time measuring means for measuring the talk time between the calling terminal and the called terminal, and making the call when the talk time elapses. Line disconnecting means for disconnecting the communication path between the receiving side terminal and the receiving side terminal, a communication charge calculating means for calculating the communication charge by applying the communication time to the charge system, and a balance reducing means for subtracting the communication charge from the balance. And Further, a first call charge settlement method according to the present invention is a call charge settlement method including the first valuable cryptographic information issuance method or the second valuable cryptographic information issuance method. In addition to storing encryption information including a character string including at least an access number for connecting to an exchange of a specific communication carrier (for example, the first several digits correspond to the access number), Storing the system in the charge storage means, and when the valuable cryptographic information and the telephone number of the called party are input from the terminal on the calling side, searching the valuable cryptographic information storage means using the valuable cryptographic information as a key, Confirming the balance of the valuable cryptographic information, connecting the calling terminal to the receiving terminal if the balance is equal to or more than a certain value, and receiving the telephone number and the balance of the called terminal. Calculating the callable time by applying to the fee structure; measuring the call time between the calling terminal and the called terminal; and, when the callable time has elapsed, the calling terminal and the called terminal. Disconnecting the communication path between the terminals; applying the call time to the fee structure to calculate a call charge;
Subtracting the call charge from the balance.

[0013] The second call charge settlement system according to the present invention is the first valuable cryptographic information issuing system or the second valuable charge information issuance system.
In addition to the valuable cryptographic information issuing system described above, a fee storage means for storing the fee system of the above-mentioned telecommunications carrier, and when the valuable cryptographic information and the telephone number of the receiving party are inputted from the terminal on the transmitting side, the relevant A balance checking means for searching the valuable cryptographic information storage means by using the cryptographic information as a key and confirming the balance of the valuable cryptographic information; and a line for connecting the transmitting side terminal and the receiving side terminal when the balance exceeds a certain value Connection means, a call time measuring means for measuring a call time between the calling terminal and the called terminal, and calculating a call charge for each predetermined unit time,
A balance reduction means for subtracting the balance each time, and a line disconnecting means for disconnecting a communication path between the communication terminal and the receiving terminal when the balance becomes a certain value or less. Also in this case, the encryption information storage means stores in advance encryption information including a character string including at least an access number for connecting to an exchange of a specific communication carrier. Further, a second call fee settlement method according to the present invention is a call fee settlement method including the first valuable cryptographic information issuing method or the second valuable cryptographic information issuing method, wherein the cryptographic information storage means includes: Storing cryptographic information consisting of a character string including at least an access number for connecting to an exchange of a specific communication carrier, and storing the charge system of the communication carrier in a charge storage means, When the valuable cryptographic information and the telephone number of the called party are input from the terminal on the calling side, searching the valuable cryptographic information storage means using the valuable cryptographic information as a key and confirming the balance of the valuable cryptographic information; Connecting the originating terminal and the receiving terminal when the balance is equal to or more than a predetermined amount; measuring a call time between the originating terminal and the receiving terminal; Calculating a call charge to, and subtracting in each case the balance, when the balance becomes constant below and a step of cutting the speech path between the called terminal and the communication terminal.

The above-mentioned valuable cryptographic information can also be used for payment other than call charges. In other words, the payment settlement system according to the present invention, in addition to the first valuable cryptographic information issuing system or the second valuable cryptographic information issuing system, when a payment settlement request involving input of valuable cryptographic information is made, A balance checking means for searching the valuable cryptographic information storage means using the valuable cryptographic information as a key, and confirming the balance of the valuable cryptographic information, and a settlement permission / non-permission determining means for comparing the balance with the price and determining whether or not settlement is possible. And settlement processing means for, when payment is possible, subtracting the amount corresponding to the price from the balance to apply the payment to the settlement. Further, a price settlement method according to the present invention includes the first valuable cryptographic information issuance method or the second valuable cryptographic information issuance method, and further, a payment settlement request accompanied by input of valuable cryptographic information is made. In this case, a step of searching the valuable cryptographic information storage means using the valuable cryptographic information as a key, and confirming the balance of the valuable cryptographic information, and comparing the balance with the price,
The method includes a step of determining whether settlement is possible and, if settlement is possible, a step of subtracting the amount corresponding to the price from the balance and applying the difference to the settlement.

[0015]

FIG. 1 is a functional block diagram showing a valuable cryptographic information issuing system 10 according to the present invention. The valuable cryptographic information issuing system 10 includes a cryptographic information storage unit 12 that previously stores a large number of cryptographic information composed of a character string having a predetermined number of digits. The encryption information storage means 12 corresponds to, for example, an encryption information database in a hard disk device connected to a computer system.

A request amount input unit 14 for selecting and inputting an amount desired by a user of the system, and a deposit amount input unit 16 for inputting an amount actually paid by the user.
It has. Examples of the request amount input unit 14 and the deposit amount input unit 16 include information input devices such as a keyboard, a mouse, a touch panel, and a barcode scanner.

Further, the card information input means 18 for inputting information relating to the credit card of the user and the information relating to the credit card and the requested amount are transmitted to a computer system managed by the card company to request settlement by credit card. And a card payment processing means 20 for confirming that the payment by the credit card has been completed and outputting card payment completion information. The card information input means 18 includes a keyboard for manually inputting information such as a credit card type (name of a card company), a card number, an expiration date, a registrant name, and the like, and is recorded on a magnetic tape portion of the credit card. Card reader device that reads magnetic data. The card payment processing means 20 corresponds to a CPU of a computer that executes necessary processing according to a dedicated program.

Further, when the requested amount matches the deposit amount, or when the card settlement processing means outputs the settlement completion information, the cryptographic information and the amount information are associated with each other, and the valuable cryptographic information is linked. The system also includes a valuable cryptographic information generating unit 22 for generating, a valuable cryptographic information storage unit 24 for storing the valuable cryptographic information, and a valuable cryptographic information output unit 26 for outputting the valuable cryptographic information. The valuable cryptographic information generating means 22 corresponds to a CPU of a computer that executes necessary processing according to a dedicated program. The valuable cryptographic information storage means 24 corresponds to, for example, a valuable cryptographic information database in a hard disk device connected to a computer. The valuable cryptographic information output means 26 corresponds to a printer or a display device connected to a computer.

The user of the system 10 first inputs a desired amount (for example, 5,000 yen) to the computer system constituting the system 10 from the request amount input means 14, and also transfers 5,000 yen of cash to the system. Pay to the operator. After confirming that the payment of 5,000 yen has been certainly made, the system operator inputs the payment fact of 5,000 yen to the system through the payment amount input means 16. If the requested amount and the deposit amount match, valuable cryptographic information is generated by the valuable cryptographic information generating means 22 as described above. Specifically, one piece of encrypted information (for example, “31-
723-7381-5419- # ”), and value information of 5,000 yen is added to the encryption information to form valuable encryption information. The valuable cryptographic information is stored in the dedicated valuable cryptographic information storage means 24 and is notified to the user through the valuable cryptographic information output means 26. Thereafter, by presenting the valuable encryption information, the user can settle various payments within the range of 5,000 yen. Of course, the balance of 5,000 yen will be reduced by the price for each payment. Since the card information input means 18 and the card settlement processing means 20 are also provided as described above, 5,000 yen can be paid by a credit card instead of cash payment.

According to the valuable cryptographic information issuing system 10, the property value is added to the cryptographic information only after the user has made a payment, and the cryptographic information is encrypted in advance like a prepaid card for an international telephone. Money information is not added to the information. Therefore, there is no danger of being stolen in the process of reaching the user's hand. Of course, there is a risk that the valuable cryptographic information once issued may be stolen by a third party, but since the amount of damage is limited to the amount set by the user himself, the credit card or cash card may be stolen. There is no unexpected loss.

FIG. 2 shows this valuable cryptographic information issuing system 10.
The figure shows a specific example of the configuration, and includes a center device 30 installed in the center and a terminal device 32 installed in a convenience store (hereinafter referred to as “convenience store 31”). Although only one terminal device 32 is illustrated in the figure, the terminal devices 32 are actually installed at convenience stores around the country.

The center device 30 is composed of a computer system such as a main frame, and as shown in FIG.
CPU 33, RAM 34, ROM 35, hard disk device 3
6. It has a communication interface 37 and the like. And
By activating and executing the OS and dedicated programs installed in the hard disk device 36, the CPU 33
Functions as the card settlement processing means 20 and the valuable cryptographic information generation means 22. Further, in the hard disk device 36, an encryption information database as the encryption information storage means 12 and a valuable encryption information database as the valuable encryption information storage means 24 are stored.

The terminal device 32 is also a computer system similar to a personal computer (hereinafter referred to as a "personal computer"), and includes a CPU 38, a RAM 40, a ROM 41, a hard disk device 42, and a communication interface 43 connected to the CPU 33 by a system bus 39. , A display with a touch panel 44, a ticket issuing device 45, a card reader 46, a network interface 47, and the like. Further, a POS terminal 48 and a printer 49 installed in the store of the convenience store 31 are connected to the terminal device 32 via a network interface 47 via a LAN. Then, the display with a touch panel 44 is provided to the request amount input means 14 by a ticketing device.
45 and the printer 49 send the POS
The barcode scanner 48a and key of the terminal 48 correspond to the deposit input means 16, and the card reader 46 corresponds to the card information input means 18, respectively. The CPU 38 controls each connected device by executing an OS or a dedicated program installed in the hard disk device 42.

The center device 30 and the terminal device 32 are connected to the network via communication interfaces 37 and 43 and a communication line 50, respectively. The above center equipment
Various other computer systems are connected to 30 via a communication line 50. That is, computer systems (exchanges) 51-53 managed by international telecommunications carriers and computer systems managed by credit card companies
54, 55, or mail order computer system
56, 57, etc. Each of these computer systems also has at least the same configuration as the center device 30 shown in FIG. Unused cryptographic information is replenished to the cryptographic information database on the side of the center device 30 from the computer systems 51 to 53 managed by an external international communication carrier through the communication line 50 as needed. The valuable cryptographic information generated by the valuable cryptographic information generating means 22 and stored in the valuable cryptographic information database of the center device 30 is transmitted to the international communication company's computer systems 51 to 53 via the communication line 50. .

Next, an operation example of the valuable cryptographic information issuing system 10 will be described with reference to FIGS. FIG.
Shows the external appearance of the terminal device 32. The display 44 with the touch panel is arranged on the upper front part of the housing 58, and a slit 59 for sliding a credit card is provided below the display 44.
Is provided. A sheet discharge port 60 is provided below the sheet discharge port. First, the user presses the surface of the display 44 with a finger, and selects and inputs a service for issuing valuable cryptographic information from the displayed service menu. For example,
The user selects "international telephone prepaid sheet printing service" which uses valuable cryptographic information for international telephone call charge settlement (not shown).

As a result, as shown in FIG. 6, a screen for selecting each of the international communication carriers A to C is displayed. When one company (for example, company A) is selected from these (S10 in FIG. 4), an amount selection screen is displayed (FIG. 7). When a necessary amount (for example, 5,000 yen) is selected from among these (S12), a confirmation screen is displayed (FIG. 8). If there is no mistake in the international carrier name and the amount, touch the "Confirm" button. If you want to change it, touch the "correct" button and start over. Next, since a payment method selection screen is displayed (FIG. 9), a selection is made between cash payment and credit payment (S14).

Here, when the user selects the cash settlement by touching the "cash" button, the ticket issuing device 45 in the terminal device 32 is activated, the reception slip 61 shown in FIG.
Issued by At the same time, the selected and entered "5,000
The amount information of “0 yen” is transmitted to the center device 30 via the communication line 50.

The reception slip 61 includes a reception number, an application date and time,
In addition to the description of the application content, a bar code corresponding to the application content is printed. The user enters this reception slip 61 into a convenience store.
Take it to the 31 cashier and pay 5,000 yen in cash. The clerk at the convenience store confirms that the amount is correct, and then inserts the bar code of the reception slip 61 into the scanner 48 of the POS terminal.
Input with a (S16). The deposit information of "5,000 yen" input by the scanner 48a is transmitted to the center device 30 through the terminal device 32. The center device 30 compares the previously transmitted requested amount information and the received amount information, and if they match (S18), the information is stored in the encryption information database in the hard disk device 36 in advance. The leading cryptographic information (for example, “31-723-7381-5419- #”) is selected from the cryptographic information list of Company A, and valuable cryptographic information is generated by associating this with the value information of “5,000 yen”. (S20), it is stored in the valuable encryption information database for company A (S22).

At the same time, a valuable cryptographic information output command is issued to the terminal device 32 via the communication line 50. As a result, convenience store 31
The international telephone prepaid sheet 62 as shown in FIG. 11 is output from the printer 49 arranged near the cash register (S2).
Four). The prepaid sheet 62 includes “5,
In addition to the characters “000 yen”, valuable cryptographic information (personal identification number) generated by the center device 30 is described. Thereafter, the user will be able to receive an international call service for 5,000 yen using the password from Company A, the details of which will be described later.

When credit payment is selected on the payment method selection screen shown in FIG. 9 (S14), a guidance screen (not shown) for prompting input of credit card information is displayed on the display 44 with a touch panel. According to this, when the user inserted the magnetic data recording portion of his / her credit card into the slit 59 and slid in the direction of the arrow, the card reader 46 disposed inside the slit 59 was recorded on the magnetic data recording portion. Read credit card information. This information is transmitted to the center device via the communication line 50.
It is transmitted and input to 30 (S26). The center device 30 transmits the credit card information to the computer system 54 of the credit card company, and requests for payment of 5,000 yen using the credit card (S28). Then, when the settlement completion is transmitted from the computer system 54 of the credit company (S30), the center device 30
Generates valuable cryptographic information according to the same procedure as above (S20). In this case, it is not necessary to pay cash at the cash register of the convenience store 31, so that the prepaid sheet 62 shown in FIG. 11 is printed by the ticket issuing device 45 of the terminal device 32 and supplied directly from the outlet 60 of the terminal device 32. Become.

It should be noted that if the deposit amount is smaller than the required amount in S18, or if there is no card payment completion output due to the expiration of the expiration date in S30, the issuance of valuable cryptographic information is refused. Not even (S32).

By incorporating a cash handling device in a vending machine or a cash dispenser of a bank in the terminal device 32, a prepaid sheet 62 on which valuable cryptographic information is printed directly from an outlet 60 of the terminal device 32 is output. You may comprise so that it may be. For example, when "cash" is selected on the payment method selection screen of FIG. 9, a screen display prompting cash input into the cash input port is performed instead of outputting a reception slip (not shown). When the user inserts cash in accordance with this, the sensor detects this and calculates the amount of money to be inserted.

Then, the input amount is displayed on the amount selection screen (FIG. 7).
If the request amount matches the selected amount, payment amount confirmation data indicating that there is a payment matching the request amount is generated, and transmitted and input to the center device 30 via the communication line 50. The center device 30 generates valuable cryptographic information according to the same procedure as described above, transmits the valuable cryptographic information to the terminal device 32, drives the ticket issuing device 45, and outputs a prepaid sheet 62 in which the valuable cryptographic information is described. If the amount is small, a message stating that "the amount cannot be traded because the amount is insufficient" and a message urging the user to input the requested amount again are displayed, and the input amount is returned. Conversely, if the amount is large, the change is returned from the cash return slot, and the prepaid sheet 62 on which valuable cryptographic information is described is output according to the same procedure as described above.

In this way, by providing the terminal device 32 itself with a mechanism for processing cash deposit, amount calculation, and refund, the reception slip 61 output from the terminal device 32 is brought to the cash register as described above, and It is possible to save the trouble of paying cash.

In the above description, the screen display of the terminal device 32,
The example of writing the reception slip 61 and the prepaid sheet 62 in Japanese was shown, but in addition to Japanese, Chinese, Korean, Portuguese,
It is desirable to include messages in major languages such as Spanish and English.

Next, an international telephone call charge settlement system will be described with reference to FIG. The first call charge settlement system 70 actually includes the valuable cryptographic information issuing system 10 described above, but FIG. 12 shows only a characteristic part of the call charge settlement.

First, an exchange of company A, which is an international telecommunications carrier.
51 includes a line connection device 71 for connecting and disconnecting the line.
A valuable cryptographic information database 72 in which valuable cryptographic information is stored, a fee database 73 in which fee system information of telephone charges of Company A is stored, and a central part 74 which manages the operation of the system.

The central part 74 is a CPU of a computer.
(Central processing unit), and a dedicated application program is executed by the CPU, so that a functional configuration unit as shown in the figure is provided. That is, a line control unit 75 that monitors the connection status of the line and drives and controls the line connection device 71, a balance confirmation unit 76 that searches the valuable cryptographic information database 72 to confirm the balance of the valuable cryptographic information, A call permission / non-permission determining unit 77 for determining whether or not a call can be performed based on the balance; and a charge database 73
A callable time calculation unit 78 that calculates the callable time by comparing the charge data and the balance data in the telephone, and measures the call time simultaneously with the line connection between the calling terminal (mobile phone) 79 and the called terminal 80. A call time measuring unit 81 to be started, a call charge calculating unit 82 for calculating the call charge by applying the call time to the charge system in the charge database 73, and a valuable cryptographic information database
A balance reduction unit 83 for reducing the balance data in 72,
A message generating unit 84 for generating a specific message signal. The message signal generated by the message generation unit 84 is converted into a voice through a voice synthesizer 85, and is transmitted via a line connection device 71 to a calling terminal.
Sent to 79.

In the first call charge settlement system 70, the valuable cryptographic information database 72 is in the valuable cryptographic information storage means 24, the fee database 73 is in the fee storage means, the balance confirmation section 76 is in the balance confirmation means, The determination unit 77 is used as the communication availability determination unit, the communication available time calculation unit 78 is used as the communication available time calculation unit, the communication time measurement unit 81 is used as the communication time measurement unit, the communication charge calculation unit 82 is used as the communication charge calculation unit, and the balance is reduced. The unit 83 corresponds to the balance reduction means. In addition, a line connection unit and a line disconnection unit are realized by cooperation of the line connection device 71 and the line control unit 75.

First, the caller 86 who has obtained the international telephone prepaid sheet 62 of the company A in advance according to the above-described procedure is shown in FIG.
As shown in the flowchart of (1), valuable cryptographic information written on the prepaid sheet 62 and the telephone number of the called side are input from the user's own mobile phone (calling side terminal 79) (S34). Since the valuable cryptographic information includes the access number of the company A, the exchange 51 of the company A is automatically transmitted via the public line network α.
(S36).

The balance checking section 76 of the exchange 51 searches the valuable cryptographic information database 72 using the valuable cryptographic information as a key, and confirms the balance of the amount associated with the valuable cryptographic information (S38). The balance data confirmed here is sent to the call availability determination unit 77. The call permission / non-permission determining unit 77 determines whether or not the balance is sufficient to permit the call (S40). That is, when the balance is less than a predetermined amount (for example, 15 yen), the communication control unit determines “calling is not possible” and sends the determination result to the line control unit 75 and the message generation unit 84. The message generator 84 generates a message signal indicating that, for example, “cannot connect because the balance is insufficient” and outputs it to the speech synthesizer 85. The voice synthesizer 85 receiving this synthesizes the voice corresponding to the message signal and transmits it to the calling side via the line connection device 71 (S42). The message generator 84 generates a message signal corresponding to a foreign language such as Chinese, Korean, or English in addition to Japanese, and outputs the generated message signal to the speech synthesizer 85.
It is preferable that the voice message is converted into the language of each country and transmitted to the calling terminal 79 in sequence. The line controller 75 disconnects the line with the calling terminal 79 when the transmission of the voice message is completed.

On the other hand, if the balance of the valuable cryptographic information is equal to or more than the predetermined amount, the communication permission / non-permission determining unit 77 determines that "communication is possible" (S40). Next, a callable time calculation unit 78
Applies the telephone number of the other party previously input by the caller 86 to the charge database 73, and calculates a talkable time (S44). That is, FIG.
As illustrated in FIG. 4, the unit price information of the call charges of Company A classified by country code and area code (area code) is stored. Therefore, first, the unit price of the call fee is determined from the destination country code and the current date and time data, and the specific call available time is calculated by comparing this unit price with the balance. For example, when making an international call to Argentina (country code "54") on Sunday with a balance of 700 yen, the talk time is 28 minutes. Although FIG. 14 shows an example in which the unit price of the call fee is classified according to the time zone and the day of the week in which the call is made in addition to the region, a common unit price of the call charge for 24 hours may be applied regardless of the day of the week. It is possible.

At the same time as the callable time is calculated as described above, the line control unit 75 drives the line connection unit 71 to connect the mobile telephone 79 on the transmitting side and the communication device 80 on the receiving side to the international line network β. (S46). Simultaneously with the line connection between the two, the call time measuring unit 81 starts measuring the call time (S48).

The line control unit 75 constantly monitors the measurement result from the talk time measuring unit 81, and determines whether the talk time has elapsed (S50). Then, when the talkable time has elapsed, a control signal is immediately output to the line connection device 71,
The line between the calling terminal 79 and the called terminal 80 is forcibly disconnected (S52). Further, the result of measurement by the call time measuring unit 81, that is, the call time, is output from the call time measuring unit 81 to the call charge calculating unit. The call charge calculation unit 82 calculates a call charge based on the call time and the charge system stored in the charge database 73 (S56), and deducts the balance charge 83
Output to The balance reduction unit 38 updates and registers, as new balance information, the amount obtained by subtracting the call charge from the balance in the valuable encryption information database 72 (S58).

When the call is terminated within the talkable time, that is, when a spontaneous line disconnection is performed between the calling terminal 79 and the called terminal 80, the line control unit 75 outputs a disconnection signal ( The end-of-call signal is detected (S54), and the measurement of the talk time in the talk time measuring unit 81 is stopped. The call time measured by the call time measuring unit 81 is
81 to the call charge calculation unit 82. The call charge calculation unit 82 calculates an actual call charge based on the call time and the charge system stored in the charge database 73 (S5).
6), and outputs this to the balance reduction unit 83. Balance reduction section 83
Updates and registers the amount obtained by subtracting this call charge from the balance in the valuable encryption information database 72 as new balance information (S58).

The amount paid by the sender 86 when the international telephone prepaid sheet 62 is obtained has been remitted to the international communication company A in advance from the operator of the valuable cryptography issuing system 10. Since this is used for the payment of the above-mentioned call charge, the international communication company A does not have any risk of bad debt.

As described above, instead of suddenly disconnecting the line when the communicable time elapses (S52), the message generation unit 84 issues a warning such as "The call time will end in one minute". The voice synthesizing device 85 may be configured to transmit the message to the mobile phone 79 on the calling side.

As shown in FIG. 15, the exchange 51 includes a central processing unit (CPU) 74, a RAM 88, a ROM 89, a timer 90 connected to the CPU 74 via a system bus 87.
Hard disk device 91, line connection device 71, voice synthesizer
85, a communication interface 92, and the like. In the hard disk device 91, an application for operating the first telephone call settlement system 70 is provided.
A program and an OS (Operating System) are stored, and by activating these programs, the CPU 74 includes various function achieving units such as the line control unit 75, the balance checking unit 76, and the call availability determining unit 77. Will be done. The hard disk device 91 stores the valuable encryption information database 72 and the fee database 73 described above. This exchange 51 has the communication interface
The center device 30 is connected to the center device 30 via a communication line 92 and the communication line 50, and the valuable cryptographic information database 72 performs data synchronization processing with the valuable cryptographic information database managed by the center device 30 as needed. I have. Above timer
The clock circuit built in 90 supplies the date and time data to the first call settlement system 70, whereby the calculation of the talkable time and the measurement of the talk time are realized.

FIG. 16 shows the configuration of the second telephone call settlement system 93, and FIG. 17 shows the processing procedure. The second call charge settlement system 93 is characterized by a method for calculating the call charge and a method for reducing the balance, and is substantially the same as the first call charge settlement system 70 otherwise.
The common portions are denoted by the same reference numerals, and detailed description is omitted.

In the second call charge settlement system 93, it is determined in the call permission / non-permission determining section 77 that the call is possible, and the line connection device 71 connects the portable telephone 79 on the calling side to the communication device 80 on the called side. At the same time that a call path is formed at the same time, the call time measurement unit starts measuring the call time,
It is no different from the first call settlement system 70. However, the callable time is not calculated in advance, and the call charge calculation unit 82 counts the call charge for each predetermined unit time (for example, 6 seconds) (S60).
In step S6, the balance of valuable cryptographic information is reduced (S6).
2). The balance of the valuable cryptographic information is constantly monitored by the balance confirmation unit 76, and it is determined whether the balance is equal to or more than the unit price of the call charge (S64). Then, when the balance falls below the unit price of the call, the line control unit 75 immediately outputs a control signal to the line connection device 71, and the calling terminal 79 and the called terminal 80
The line between them is forcibly disconnected (S52).

That is, the first call charge settlement system 70 first calculates the talk time, and disconnects the line before the actual talk time exceeds the talk time, thereby generating a call charge exceeding the balance. In contrast to this, the second call charge settlement system 93 reduces the call charge from the balance every unit time, and disconnects the line before the balance falls below the unit price of the call charge. Is a method of preventing a call charge exceeding the balance from being generated.

In the above description, the case of making an international call from the mobile phone 79 of the caller 86 has been described. However, the first call charge settlement system 70 and the second call charge settlement system 93 are not limited to this. Not something. That is, even when the caller 86 inputs valuable cryptographic information from a fixed telephone or a public telephone and connects to the exchange 51, the caller 86 uses the balance of the valuable cryptographic information for settlement of the call charge, as in the case of the mobile phone 79. It becomes possible. In addition, when the telecommunications carrier also supports domestic calls, it becomes possible to use the balance of valuable cryptographic information for call charges for domestic calls.

As described above, the valuable cryptographic information issuing system
10 different prepaid seats 62 for each carrier
Instead of issuing a prepaid sheet, a common prepaid sheet for each company can be issued. In this case, an access number for connecting to the center apparatus 30 is incorporated in the encryption information, and the sender 86 inputs valuable encryption information from a terminal to connect to the center apparatus 30 first. The center device 30 selects the most advantageous telecommunications carrier at that time, and realizes the connection between the calling terminal and the called terminal via the exchange of the telecommunications carrier. Of course, the line connection device 71, the voice synthesizer 85, the valuable encryption information database 72, and the charge database included in the first call charge settlement system 70 and the second call charge settlement system 93 are provided.
Each functional component such as 73, the line control unit 75, the balance checking unit 76, and the like must be provided on the center device 30 side.

FIGS. 18 and 19 show an example in which the valuable cryptographic information issued by the valuable cryptographic information issuing system 10 is used for payment for mail-order sales via the Internet. This price settlement system 94 is based on the valuable cryptographic information issuing system 10 described above, but FIG. 18 shows only a characteristic part of the price settlement. Although not shown, a convenience store
When operating the terminal device 32 installed in the 31, a procedure for obtaining valuable cryptographic information dedicated to payment for mail order is executed. Naturally, valuable cryptographic information printed on the prepaid sheet output from the terminal device 32 or the printer 49 includes:
Access numbers to international carriers are not included.

The user 95 who has obtained the valuable cryptographic information,
Connect to the Internet 97 using your personal computer 96,
Computer system 56 (web server) of mail order company 98
To access. Then, after selecting a desired product on the home page of the mail order company 98, a prepaid sheet (valuable cryptographic information) is designated as a payment method.

The mail-order company 98 immediately accesses the center device 30 that has issued the valuable cryptographic information via the communication line 50, and makes a settlement request specifying the purchase price (including tax and shipping) and the valuable cryptographic information. (S70).

In the center device 30, the balance checking unit 99 searches the valuable cryptographic information database 100 using the valuable cryptographic information transmitted from the mail order company 98 as a key, and confirms the current balance (S72). This balance data is settled by the settlement
It is sent to 1 and compared with the purchase price (S74). Then, when it is determined that the balance exceeds the purchase price, a signal indicating acceptance of the payment is transmitted to the mail order company 98 via the payment processing unit 102. Further, the purchase price equivalent is reduced from the balance via the balance reduction unit 103 (S76).
Of course, the remittance process to the mail order company 98 is executed via the settlement processing unit 102 (S78). For example, a bank remittance slip is output via a printer (not shown) connected to the CPU 33 of the center device 30. Alternatively, a direct remittance process may be performed to the bank account of the mail order company 98 via the bank's online banking system.
If it is determined in S74 that the balance is less than the purchase price, it goes without saying that the settlement using the valuable cryptographic information is rejected (S80).

The balance confirmation unit 99, the settlement possibility determination unit 101, the settlement processing unit 102, and the balance reduction unit 103 of the center device 30 are
In each case, a dedicated application program is
This is realized by executing in.
When the operator of the center device 30 performs the mail order business, the balance of the valuable cryptographic information can be used for the settlement of the price, and the step related to the remittance process can be omitted. It is convenient.

The valuable cryptographic information issued by the valuable cryptographic information issuing system 10 can be used for purposes other than payment for mail-order sales, such as entrance fees for baseball stadiums and movie theaters. In this case, on the surface of the prepaid sheet 62,
If the valuable cryptographic information is printed in a bar code in addition to the numerical representation, and the valuable cryptographic information is read by a bar code scanner at the time of entry, quick input processing becomes possible.

[0060]

According to the valuable cryptography issuing system and the issuance method according to the present invention, instead of displaying the cryptographic information associated with the amount information in advance on the card as in a conventional international telephone prepaid card, it is distributed. When the payment of cash or the completion of payment by credit card is confirmed, the cryptographic information and the amount information are paired into valuable cryptographic information, which is output to the user. It is possible to completely eliminate sex. Also, since the valuable cryptographic information is issued directly to the applicant, there is no need to output it to a very durable card, and it is not necessary to perform processing for concealing the number. Becomes possible.

In addition, when the above-mentioned valuable code is used for the settlement of a call charge for an international call or the like, there is no risk of a loan loss, so that it is not necessary to impose a burdensome pre-screening or payment of a security deposit, and the user can use the valuable code with simple operations. As long as the cryptographic information is issued, a call can be made from the user's own mobile phone or the like.

Further, when the above-mentioned valuable cryptography is used for payment for mail-order sales, there is an advantage that the mail-order company has no risk of delinquency, and therefore it is possible to carry out a secure transaction, and the consumer side has an extra advantage. This has the advantage of saving money on remittance and cash on delivery fees. Even if valuable cryptographic information is leaked to a third party, it will only cause a loss at the limit of the balance and there is no risk of unexpected damage such as theft of credit card or cash card, It is particularly effective as a payment method for online shopping via the Internet.

[Brief description of the drawings]

FIG. 1 is a block diagram showing an outline of a valuable cryptographic information issuing system according to the present invention.

FIG. 2 is a hardware configuration diagram of the valuable cryptographic information issuing system.

FIG. 3 is a hardware configuration diagram of a center device and a terminal device.

FIG. 4 is a flowchart showing a processing procedure in the valuable cryptographic information issuing system.

FIG. 5 is a front view of the terminal device.

FIG. 6 is a screen display example on a display of a terminal device.

FIG. 7 is a screen display example on a display of a terminal device.

FIG. 8 is a screen display example on a display of a terminal device.

FIG. 9 is a screen display example on a display of a terminal device.

FIG. 10 is a plan view showing a reception slip output from the terminal device.

FIG. 11 is a plan view showing an international telephone prepaid sheet on which valuable cryptographic information is described.

FIG. 12 is a conceptual diagram showing a first call charge settlement system according to the present invention.

FIG. 13 is a flowchart showing a processing procedure in the first call charge settlement system.

FIG. 14 is a table showing a charge system of an international telecommunications carrier;

FIG. 15 is a hardware configuration diagram of an exchange of an international telecommunications carrier;

FIG. 16 is a conceptual diagram showing a second call charge settlement system according to the present invention.

FIG. 17 is a flowchart showing a processing procedure in the second call charge settlement system.

FIG. 18 is a conceptual diagram showing a mail-order settlement system according to the present invention.

FIG. 19 is a flowchart showing a processing procedure in the mail-order settlement system.

[Explanation of symbols]

 10 Valuable cryptographic information issuing system 12 Crypto information storage means 14 Request amount input means 16 Deposit amount input means 18 Card information input means 20 Card payment processing means 22 Valuable cryptographic information generation means 24 Valuable cryptographic information storage means 26 Valuable cryptographic information output means 30 Center device 33 CPU 32 Terminal device 44 Display with touch panel 45 Ticket issuing device 46 Card reader 48 POS terminal 49 Printer 62 International call prepaid sheet 70 First telephone call payment system 71 Line connection device 72 Valuable encryption information database 73 Charge database 74 Central part 75 Line control unit 76 Balance check unit 77 Call availability determination unit 78 Talk time calculation unit 79 Calling terminal (mobile phone) 80 Receiving terminal 81 Talk time measurement unit 82 Call charge calculation unit 83 Balance reduction unit 84 Message generation unit 93 Second telephone call settlement system 94 Price settlement system 99 Balance confirmation unit 00 Valuable encryption information database 101 settlement permission determination unit 102 settlement processing unit 103 balances reduction unit

Continued on the front page F term (reference) 5B049 BB46 CC39 DD04 EE25 FF06 GG02 GG10 5B055 BB10 5K025 AA01 CC01 EE25

Claims (10)

[Claims] An encryption information storage means for storing encryption information consisting of a character string having a predetermined number of digits, a request amount input means for selecting and inputting a desired amount, and an inputting means for inputting an amount actually paid. Money amount input means, valuable cryptographic information generating means for generating valuable cryptographic information by associating the above-mentioned cryptographic information with the above-mentioned money when the required amount and the deposit amount match, and storing the valuable cryptographic information A valuable cryptographic information issuing system comprising: valuable cryptographic information storage means; and valuable cryptographic information output means for outputting the valuable cryptographic information. 2. A cryptographic information storage means for storing cryptographic information consisting of a character string having a predetermined number of digits, a request amount input means for selecting and inputting a desired amount, and a card information input for inputting information relating to a credit card. Means for transmitting the credit card information and the requested amount to an external computer system, requesting payment by credit card, and confirming whether or not payment by credit card is completed; credit card processing means; Means for generating valuable cryptographic information by associating the cryptographic information with the amount when settlement by the user is completed; valuable cryptographic information storage means for storing the valuable cryptographic information; A valuable cryptographic information issuing system, comprising: valuable cryptographic information output means for outputting information. 3. The valuable cipher according to claim 1 or 2, further comprising cipher information storage means for storing cipher information consisting of a character string including at least an access number for connecting to an exchange of a specific communication carrier. An information issuing system; a charge storage means for storing the charge system of the communication carrier; and, when valuable cryptographic information and a telephone number of a receiving party are input from a terminal on the transmitting side, the valuable cryptographic information is used as a key. A balance checking means for searching the valuable cryptographic information storage means and confirming a balance of the valuable cryptographic information; and a line connecting means for connecting the transmitting terminal and the receiving terminal when the balance is equal to or more than a certain value; Talkable time calculating means for calculating a communicable time by applying the telephone number of the called party and the balance to the fee structure, and a call for measuring a talking time between the calling terminal and the called terminal Line measuring means, a line disconnecting means for disconnecting a communication path between the calling terminal and the receiving terminal when the callable time has elapsed, and a call charge is calculated by applying the call time to the charge system. A call charge settlement system comprising: call charge calculation means; and balance reduction means for subtracting the call charge from the balance. 4. A valuable cipher according to claim 1, further comprising a cryptographic information storage means for storing cryptographic information composed of a character string including at least an access number for connecting to an exchange of a specific communication carrier. An information issuing system; a charge storage means for storing the charge system of the communication carrier; and, when valuable cryptographic information and a telephone number of a receiving party are input from a terminal on the transmitting side, the valuable cryptographic information is used as a key. A balance checking means for searching the valuable cryptographic information storage means and confirming a balance of the valuable cryptographic information; and a line connecting means for connecting the transmitting terminal and the receiving terminal when the balance is equal to or more than a certain value; A call time measuring means for measuring a call time between the calling terminal and the called terminal; a balance reducing means for calculating a call charge for each predetermined unit time and subtracting the balance each time; When it becomes below a certain level, call charge payment system is characterized in that a line disconnection means for disconnecting the speech path between the called terminal and the calling terminal. 5. A valuable cryptographic information issuing system according to claim 1 or 2, further comprising, when a price settlement request involving input of valuable cryptographic information is made, the valuable cryptographic information storage means using the valuable cryptographic information as a key. A balance checking means for searching and confirming the balance of the valuable cryptographic information, a settlement feasibility determining means for comparing the balance with the above-mentioned price and determining whether or not settlement is possible; A payment processing system comprising: payment processing means for reducing an amount corresponding to the payment and applying the payment to the payment. 6. A step of storing cryptographic information consisting of a character string having a predetermined number of digits in a cryptographic information storage means, a step of inputting a required amount, a step of inputting an actually paid deposit amount, A step of generating valuable cryptographic information by associating the cryptographic information with the required amount when the amount and the deposit amount match; storing the valuable cryptographic information in a valuable cryptographic information storage means; Outputting valuable information. 7. A step of storing cryptographic information consisting of a character string having a predetermined number of digits in a cryptographic information storage means, a step of inputting a required amount, a step of inputting information relating to a credit card, Transmitting the requested amount to an external computer system to request payment by credit card; confirming whether or not payment by credit card is completed; Generating valuable cryptographic information by associating the information with the amount of money; storing the valuable cryptographic information in a valuable cryptographic information storage means; and outputting the valuable cryptographic information. How to issue valuable cryptographic information. 8. A call charge settlement method including the method for issuing valuable cryptographic information according to claim 6 or 7, wherein said cryptographic information storage means includes an access number for connecting to a switch of a specific communication carrier. Storing the cryptographic information consisting of a character string including at least the following, and storing the charge system of the telecommunications carrier in the charge storage means: transmitting the valuable cryptographic information and the telephone number of the called side from the terminal on the calling side; A step of searching the valuable cryptographic information storage means using the valuable cryptographic information as a key, and confirming a balance of the valuable cryptographic information; and Connecting the terminal to the terminal; calculating the callable time by applying the telephone number and the balance of the receiving side to the fee structure; Measuring the talk time; disconnecting the call path between the calling terminal and the called terminal when the callable time has elapsed; calculating the call charge by applying the call time to the charge system And a step of subtracting the call charge from the balance. 9. A call charge settlement system including the valuable cryptographic information issuing method according to claim 6 or 7, wherein said cryptographic information storage means includes an access number for connecting to a switch of a specific communication carrier. Storing the cryptographic information consisting of a character string including at least the following, and storing the charge system of the telecommunications carrier in the charge storage means: transmitting the valuable cryptographic information and the telephone number of the called side from the terminal on the calling side; A step of searching the valuable cryptographic information storage means using the valuable cryptographic information as a key, and confirming a balance of the valuable cryptographic information; and Connecting the terminal, measuring the call time between the calling terminal and the called terminal, calculating the call charge for each predetermined unit time, and subtracting the balance each time Step a, when the balance becomes constant below toll settlement method characterized by comprising the steps of cutting a speech path between the called terminal and the calling terminal. 10. A price settlement method including the valuable cryptographic information issuing method according to claim 6 or 7, wherein when a price settlement request involving input of valuable cryptographic information is made, the valuable cryptographic information is used as a key. Searching the valuable cryptographic information storage means and confirming the balance of the valuable cryptographic information, comparing the balance with the above price, and determining whether or not settlement is possible; And deducting the amount corresponding to the price from the above to apply to the settlement.